If the other driver was at fault, do I have to provide my insurance details?

by Jeff (Mount Clemens, Michigan)

I was the victim of an accident on December the 16th where the other driver turned in front of me and both vehicles were totaled. My insurance had lapsed, which the officer informed me of, however I was not issued a ticket. The other driver was found to be 100% at fault, which was verified by a witness at the scene. The driver was ticketed for failure to yield.

I contacted the other driver's insurance to file a claim or mini Tort. I was asked for the Police report, which I have, and was asked for pictures of the vehicle, which I have. I was also asked for the declaration of insurance stating what coverages and dates my car was insured.

My question is, if the other driver was 100% at fault, do I have to provide his insurance company with the declaration of my insurance? And if so, does the other driver's insurance company need to know the dates my car was covered?

I called my insurance company and they said they can provide me that information, however I don't think whether or not my car was covered should have any bearing on whether they are responsible to pay the claim. If they see my insurance had lapsed, can they deny the claim? Will I get fined or otherwise penalized? What should I do here? Thank you.

Visitor Question:

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ANSWER for "If the other driver was at fault, do I have to provide my insurance details?":

Jeff (Mount Clemens, Michigan):

While most states require drivers involved in car accidents to exhibit their insurance information, Michigan law appears not to have that requirement. We refer you to Michigan Revised Statute, Section 257.619 Accidents; duties of driver.

With that read, we don't believe you are required to give the at-fault driver’s insurance company information about your insurance, or lack thereof.

However, if you and the other driver have the same insurance company, you will be required to cooperate. Car insurance policies require insureds to cooperate with the insurance company in the investigation of the claim. Failure to do so can result in the cancellation or non renewal of your claim.

Under the circumstances, it appears the insurance company already knows you were not insured at the time of the crash. While you can refuse to cooperate with the at-fault driver's insurance company (presuming the at-fault driver has a different insurance company than you), doing so may only delay a settlement of your claim.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.

The accuracy of information provided on this site is not guaranteed. It is generic information for informal purposes only. It is NOT formal legal advice. Your use of this site does NOT create an attorney-client relationship. Before relying on any information found in this site you should consult with a licensed attorney in your state. If you are currently represented by an attorney, you should strictly abide by his/her counsel.